As of 13 August 2026, AI can only partly create a debt repayment plan.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open your current bank, credit-card and loan statements, and copy the latest balance, interest rate or APR, minimum payment, payment date, arrears and fees for each debt.
   2. List your reliable monthly take-home income and other income, then gather rent or mortgage, council tax, utilities, food, travel, insurance, childcare and other essential household costs from current bills.
   3. Put the figures into the prompt, remove account numbers and other unnecessary personal data, and add any court papers, enforcement contact, disconnection warning or expected income change.
   4. Paste the completed prompt into a chatbot and answer its questions about missing figures before asking it to produce the final plan.
   5. Compare every balance, rate, minimum payment and payment date in the plan with the current statements, and recalculate the monthly total against your available income.
   6. Mark any priority debt, arrears, urgent deadline or classification the chatbot could not settle, then take the plan and the relevant statements to a UK debt adviser before changing payments.
   7. Set up only the payments you have confirmed you can afford, and keep the statements and final checked plan together so you can update it when a balance, rate or income changes.

   Prompt

   Create a UK personal debt repayment plan from the information below. Use only the figures I provide, show every calculation clearly, and do not invent balances, interest rates, deadlines or legal rights. First separate priority debts and essential household costs from non-priority unsecured debts, but flag anything you cannot classify confidently instead of deciding silently. Preserve enough money for essential living costs and identify any month where the proposed payments exceed my available money. Show the current monthly position, the proposed payment to each debt, the estimated order of repayment, and a month-by-month table until the debts are cleared. State which figures need checking against current statements and explain how changing interest, fees, arrears, missed payments or variable income could change the result. Give a cautious comparison of an avalanche approach and a smallest-balance approach, without recommending new borrowing or debt consolidation. Do not claim that the plan is suitable or professional advice. End with a short list of questions I should take to a free UK debt adviser if the numbers do not balance or I have priority debts, court action or threatened enforcement. Ask me for any missing information before producing the final plan.
   
   Date of figures: [DATE]
   Monthly take-home income: [AMOUNT]
   Other regular income: [AMOUNT]
   Essential household costs: [ITEMS AND AMOUNTS]
   Other regular spending: [ITEMS AND AMOUNTS]
   Emergency or irregular-cost allowance: [AMOUNT]
   Debts, one per line: [CREDITOR, DEBT TYPE, BALANCE, INTEREST RATE OR APR, MINIMUM PAYMENT, PAYMENT DATE, ARREARS OR FEES, AND WHETHER THE RATE IS FIXED]
   Available savings: [AMOUNT]
   Expected changes to income or costs: [DETAILS]
   Anything urgent, such as court papers, disconnection warnings or enforcement contact: [DETAILS]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.